PPHI (Positive Physicians Holdings) EV-to-FCF: -13.01 (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PPHI Positive Physicians Holdings Inc PPHI
12 GF Score
Price $7.50
View Full Analysis

What is Positive Physicians Holdings EV-to-FCF?

Positive Physicians Holdings PPHI 12 EV-to-FCF is -13.01 as of Aug. 01, 2026. GuruFocus rates PPHI with a GF Score™ of 12/100.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Positive Physicians Holdings's Enterprise Value is $13.49 Mil. Positive Physicians Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2022 was $-1.04 Mil. Therefore, Positive Physicians Holdings's EV-to-FCF for today is -13.01.

The historical rank and industry rank for Positive Physicians Holdings's EV-to-FCF or its related term are showing as below:

PPHI' s EV-to-FCF Range Over the Past 10 Years
Min: -13.01   Med: 0   Max: 0
Current: -13.01

PPHI's EV-to-FCF is not ranked
in the Insurance industry.
Industry Median: 9.375 vs PPHI: -13.01

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-01), Positive Physicians Holdings's stock price is $7.50. Positive Physicians Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2022 was $-0.560. Therefore, Positive Physicians Holdings's PE Ratio (TTM) for today is At Loss.


Positive Physicians Holdings  (OTCPK:PPHI) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Positive Physicians Holdings's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=7.50/-0.560
=At Loss

Positive Physicians Holdings's share price for today is $7.50.
Positive Physicians Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2022 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.560.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Positive Physicians Holdings EV-to-FCF Related Terms


Positive Physicians Holdings EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Positive Physicians Holdings's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Positive Physicians Holdings EV-to-FCF Chart

Positive Physicians Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
EV-to-FCF
Get a 7-Day Free Trial 0.00 0.00 -1.52 -12.31 14.02

Positive Physicians Holdings Quarterly Data
Dec16 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.76 3.27 14.02 8.59 -20.40

PPHI vs MMMM, ICCH, FACO: EV-to-FCF Comparison

For the Insurance - Specialty subindustry, Positive Physicians Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Positive Physicians Holdings EV-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Positive Physicians Holdings's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Positive Physicians Holdings's EV-to-FCF falls into.


PPHI
12GF Score
Positive Physicians Holdings Inc PPHI
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Positive Physicians Holdings EV-to-FCF Calculation

Positive Physicians Holdings's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=13.488/-1.037
=-13.01

Positive Physicians Holdings's current Enterprise Value is $13.49 Mil.
Positive Physicians Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2022 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1.04 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of -13.01 mean?
Positive Physicians Holdings (PPHI) has a EV-to-FCF of -13.01 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Positive Physicians Holdings and its competitors.
Is Positive Physicians Holdings' EV-to-FCF too high?
Positive Physicians Holdings' current EV-to-FCF is -13.01. Overall, Positive Physicians Holdings has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Positive Physicians Holdings' EV-to-FCF compare to MMMM and ICCH?
Positive Physicians Holdings' EV-to-FCF of -13.01 can be compared against companies in the Insurance industry. The industry median EV-to-FCF is 9.38. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.38, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Positive Physicians Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Positive Physicians Holdings's current EV-to-FCF is -13.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Positive Physicians Holdings stock overvalued right now?
Positive Physicians Holdings (PPHI) has a current EV-to-FCF of -13.01. The current EV-to-FCF is -13.01. Positive Physicians Holdings' overall GF Score™ is 12/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Positive Physicians Holdings (PPHI), the current EV-to-FCF is -13.01 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Positive Physicians Holdings Business Description

Address 850 Cassatt Road, Suite 220, 100 Berwyn Park, Berwyn, PA, USA, 19312
Positive Physicians Holdings Inc, through its subsidiaries, writes medical professional liability insurance for physicians, physician groups, and allied healthcare providers such as physician assistants and certified registered nurse practitioners. The insurance coverage offers claims-made coverage, claims-made plus, and occurrence-based policies, as well as tail coverage in Pennsylvania, New Jersey, Ohio, Delaware, Maryland, South Carolina, and Michigan. The company generates revenue in the form of net premiums, net investment income, and net realized and unrealized gains from investments.
12GF Score

Get the complete analysis for PPHI

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.50
Price